Senior Life Insurance and pre-paid funeral

The biggest advantage to buying life insurance is the extra money. Not only are you able to provide your family with the necessary funds to cover your funeral expenses, but you also are able to leave loved ones with extra money to live on. Secondly, a life insurance policy provides your family with one lump sum check of tax free money! Life insurance is usually more affordable than a prepaid plan, especially if you’re in good health. Finally, there are a variety of flexible payment options associated with life insurance compared to a pre-paid funeral plan. Each life insurance policy is tailored for the insured and therefore provides options like multiple beneficiaries and flexible amounts of coverage rather than only getting the same few choices as everyone else at a funeral home.

The most important disadvantage of buying a prepaid funeral plan is that you HAVE to use the money on the funeral because you are paying the funeral home. This goes hand in hand with another big concern, which is if you move out of state. Funeral homes often times will not refund you the money spent on a plan, so instead of buying an insurance solution to allow your family to pay for your funeral, you simply lose your money invested or force your family to pay even more burial costs for transportation. The final problem associated with a burial policy is as many people start to get older, they change their mind on being buried and often times want to be cremated out to sea. Just like you if want to switch funeral homes, you usually can’t get all of your money back. There are too many unexpected things that could happen in the future to rely solely on a prepaid funeral plan.

Call Mintco Financial Indpendent Advisors for a free quote. We are independent financial advisors.

Independent Advisors has the ability to compare price, product, and service to insure the best life insurance quotes.

The final benefit is that an independent agent has the ability to apply to multiple companies in case one insurer won’t write the policy. There are times when a client applies to multiple carriers and receives multiple rates that are not similar.

Call us now at 813-964-7100 or fill the quote:

http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Burial Insurance for seniors over 80 years old

Do you know someone elderly who has no life insurance benefits planned?

Most of us don't like to think about our own or for any loved one’s funeral, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones like family members or friends who would pay the bill or would you plan ahead and take out funeral insurance to cover those costs so they'll have one less concern to worry about.

One of the best things about funeral insurance plans is that they are affordable and accessible to everyone. Funeral insurance premiums are payable monthly so as you could still pay the premiums even if you are on fixed income or low income, enrolling into a funeral insurance plan does not require a medical exam, so people in high risk categories, such as smokers, or with pre-existing medical conditions can still qualify however if you are healthy with very few health conditions which are under control with medication then we can assure you lowest possible premiums as we as an independent advisors shop around for you and assure you no one can do better than us.

Check our website for more info: www.MintcoFinancial.com

Even without these benefits, the reality is that funeral costs are constantly getting higher and most of our current life insurance, if we have any, simply is not enough to cover medical bills, existing debt, and burial or cremation expenses.

Funeral insurance provides security and shows those we love that we cared enough about them to plan ahead and to save them from the unnecessary stress of paying for our funeral. We offer you personalized and professional assistant with are experienced and caring licensed Life Insurance independent advisors.

Mintco Financial is a nationwide company and leading in Burial Insurance, thats why you will get the best cost for your money.

Call us today at 813-964-7100 and we will give a quote in 24 hours guaranteed!

Or fill the quote form and we will contact you:http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Who will have life insurance for someone over 80 years of age?

When the majority of people reach the age of 80 without having getting a lifestyle insurance coverage policy, they think that they have waited as well extended and can’t get an insurance company willing to sell them a policy. Luckily, this really is not the case. There’s life insurance for seniors more than 80 and up to 89.

 In fact, one can find extra options than a number of folks understand. The marketplace is full of firms which have packages for all people no matter what their circumstance is. As a matter of truth, you can find some organisations that specialize in selling insurance to those over 80.

Fortunately, many companies are starting to offer senior life insurance. Senior life insurance serves as a more affordable option for the elderly, and offers the benefits needed to protect one’s family in the case of one’s unfortunate death. With many policies for senior life insurance no exam is needed to purchase a plan. As such, one does not need to worry about pre-existing medical conditions impacting their senior life insurance premiums.

Life insurance for seniors has grown increasingly popular over the past decade for a very good reason. Whether you are looking to leave your children and grandchildren with one last gift, or simply do not want them to ever have to worry about your final expenses, senior life insurance will help keep you and your loved ones covered.

Mintco Financial is a leading company in Senior Life Insurance and has helped many seniors over 80 get Life Insurance.

Call us now at 813-964-7100 or fill the quote form and we will contact you!

Need a quote? http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

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Final Expense Insurance for seniors immigrants

by Alan Benedict

I had the pleasure of obtaining a final expense plan several years ago for Petelo Alailetaleula, a Samoan immigrant who had an interesting story about his culture.

Petelo was a charming, gentle giant, standing 6’1” and weighing 379 pounds, and he preferred people call him Peter. When I knocked on his door (final expense sales are most effective when you visit people instead of calling them on the phone), he was 62 years old, with high blood pressure and type 2 diabetes. He was concerned about his health and whether he could buy a simple, inexpensive life insurance plan. I assured him that with liberal underwriting, no medical exam and no home office specimen, he would get approved for a small final expense policy ranging from $3,000 to $25,000.

With his limited budget, we agreed that $10,000 would be sufficient. He had life insurance for funeral costs from his trade union, but his wish was, as is with many foreign nationals, to return to the country where he was born for his final resting place. Peter knew from previous Samoan passings in his Los Angeles community that shipping the body is extremely expensive, and he didn’t want to burden his family, friends and church members with these expenses.

Charges for transporting human remains (or HR in airline terms) are based on destination, the number of transfers required and different airlines needed, as well as the combined weight of the casket, body and air tray. It’s not uncommon to see international charges from the airlines ringing up at about $6,000.

Final expense policies can often solve the problems posed by these transport charges, and not just for Samoans.

My client and my friend, Peter died just three years after I placed his protection plan, but I’m glad to share that he’s back in Samoa, his homeland. His wishes were honored. Thanks to final expense, he had his final flight.

Are you an immigrant in the U.S and is thinking of Final Expense Insurance?

Call us for a free quote 813-964-7100 or fill the quote: http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/ 

We will be glad to assist you.

Did Michael Jackson have Burial Insurance?

Michael Jackson’s funeral delayed because Janet wanted her $40K burial deposit back, says new book.

When it came time to bury Michael Jackson, the scheming over money did not cease. According to Sullivan’s book, Michael was not laid to rest until September 2009 (he died on June 25) because Janet would not allow it until his estate repaid her the $40,000 cemetery deposit that she had ponied up to secure him a spot at Forest Lawn in Glendale, California. 

If Michael Jackson had Burial Insurance, all the $40,000 cemetery deposit would be paid by the insurance - depending on his policy.

Buying insurance to finance your funeral may seem like a no-brainer - death is inevitable, after all, and somebody will have to pay.

While it's important to know how your funeral expenses will be paid, don't forget to look at other expenses your loved ones will incur after you're gone. 
When considering final expenses, take a step back and look at the bigger picture,if you were to pass away, will all the financial needs of your dependents be taken care of?
Consider other needs besides the funeral, such as paying medical bills, paying off a mortgage and protecting an estate for heirs.
Call us at 813-964-7100 and talk to one of our financial advisers to get a handle on what those expenses might be and the amount and type of life insurance to buy. Rather than purchasing a small, guaranteed issue life insurance policy or a preneed policy for your funeral, you might want to buy a larger, traditional life insurance policy, which could take care of funeral expenses as well as other financial needs your family might have. Keep in mind a term-life insurance policy will cover you only for the policy's term, such as 10, 15 or 20 years. Only permanent insurance, such as whole life or universal life, provides coverage no matter when you die.
Guaranteed issue plans for funeral expenses are marketed to seniors, but other types of permanent life insurance are viable options for older adults. Mintco Financial is a leading company in Burial Insurance and can get a Life Insurance for seniors over 80.

Call us now at 813-964-7100 or email us at anecamara@mintcofinancial.com

Get a free quote now!

 

Final expense Insurance approved by phone

Final Expense Insurance is available and approved through the phone. Easy,fast and no medical exams. In just one call seniors can get approved for Burial Insurance.

How Do I buy Burial Insurance?

Burial insurance is simplified life insurance, typically purchased by those between 45 to 85 years of age.
Burial insurance is easy to qualify for, requires no physical exam or blood work, and often takes effect immediately – providing value for those who have to take care of your final expenses when the time comes.

The best way to find quality burial insurance, really, is to use the services of an INDEPENDENT burial insurance agent.
They can represent different insurance carriers and certain carriers offer the best price for different existing health conditions.

Get a free quote online:http://www.mintcofinancial.com/life-insurance-quote.asp